Lincoln County Homes under $400,000

Lincoln County Homes under $400,000

Welcome to Lincoln County, Missouri – a hidden gem that beautifully marries the charm of rural living with the conveniences of modern life. Nestled just northwest of St. Louis, this picturesque county is renowned for its stunning landscapes, friendly communities, and a rich tapestry of outdoor activities. Whether you’re an outdoor enthusiast looking to explore the lush parks, or a family seeking a peaceful place to call home, Lincoln County offers something for everyone.

One of the most enticing aspects of Lincoln County is its real estate market, particularly for those seeking homes under $400,000. Here, you’ll find a diverse array of properties that cater to various lifestyles and preferences. From cozy single-family homes perfect for first-time buyers to spacious residences ideal for growing families, the options are plentiful and affordable. Many of these homes feature modern amenities, generous yards, and easy access to local schools and amenities, making them perfect for both relaxation and recreation.

Living in Lincoln County means embracing a community-focused lifestyle, with charming local shops, delightful eateries, and vibrant community events that bring neighbors together. Plus, with the scenic Missouri River winding through the area, residents can enjoy fishing, boating, and breathtaking views right at their doorstep.

If you’re ready to find your dream home in Lincoln County, Missouri, explore the wonderful properties available under $400,000. Experience the perfect blend of comfort, affordability, and community in this captivating region!

Newest Lincoln County Homes under $400,000

628 Trestle Way, Troy
$349,900
3 Beds ⋅ 2 Baths ⋅ 26064561 MLS ⋅ ACTIVE Status
Comfortable one level living, a split bedroom floor plan and an outdoor space made to be enjoyed! This well maintained ranch offers a bright, inviting interior with vaulted ceilings, generous room sizes and an open layout that works equally well for everyday living and entertaining. The kitchen is a standout with white cabinetry, stainless steel appliances, plenty of counter space and an impressive oversized center island with seating for family and friends. Pendant lighting and vaulted ceilings add to the open feel, while the kitchen flows directly into the dining and living areas. The adjoining living room offers plenty of natural light along with a fireplace that creates a natural focal point for the space. The split bedroom design provides added privacy, with the primary suite separated from the additional bedrooms. The secondary bedrooms offer flexibility for family, guests, a home office or hobby space. Bright, neutral bathrooms and a separate main level laundry room add to the convenience. The outdoor space is where 628 Trestle Way really stands apart. Step outside to a spacious patio and covered gazebo that stays with the home, creating a great setup for grilling, outdoor dining, entertaining or relaxing in the shade. A portion of the backyard is fenced, providing a convenient area for pets or play, but the property doesn't stop at the fence. The yard continues beyond it all the way to the tree line, giving you even more outdoor space to enjoy. With one level living, a split bedroom floor plan, open kitchen and living area, oversized center island, vaulted ceilings, fireplace, main level laundry, two car garage, covered outdoor living area and a yard extending to the tree line, 628 Trestle Way offers plenty to appreciate inside and out. Schedule your showing and see it for yourself.

628 Trestle Way, Troy
2180 Central Park Dr, Troy
$294,000
3 Beds ⋅ 2 Baths ⋅ 26064520 MLS ⋅ COMING SOON Status
Welcome to 2180 Central Park in Troy, where you’ll find the kind of space that’s getting harder to come by. Situated on a large, level lot, this property offers plenty of room to spread out—whether that means backyard gatherings, a garden, or simply enjoying a little breathing room between you and the neighbors. The level yard also makes the property especially usable—no mountain-goat skills required to mow the lawn or enjoy the backyard. The location strikes a nice balance between convenience and the outdoors. You’re just a short drive from Cuivre River State Park, with acres of trails, fishing, boating, camping, and outdoor recreation close to home. If you’ve been looking for a Troy home with a generous lot, a comfortable setting, and easy access to one of the area’s best outdoor destinations, 2180 Central Park deserves a spot on your list. Come take a look and see what you could do with all that space.

2180 Central Park Dr, Troy
181 Shawn Ct, Troy
$325,000
3 Beds ⋅ 2 Baths ⋅ 26064310 MLS ⋅ COMING SOON Status
Set on just shy of a full acre and backing to a beautiful tree line, this move-in-ready ranch offers the space, privacy, and updates you've been looking for! From the moment you arrive, you'll notice the fresh exterior updates, including new siding on the front of the home and new exterior doors. Step inside to find a bright, inviting interior with all-new paint throughout, vaulted ceilings, and an open layout that makes the home feel spacious and welcoming. The living room features a striking all-brick gas fireplace, creating a cozy gathering space with plenty of natural light. The kitchen offers an eat-in area and convenient access to the huge back deck, where you'll almost always find a refreshing breeze and a peaceful view of the wooded backdrop. It's the perfect spot for morning coffee, entertaining, or simply enjoying the privacy this property provides. The spacious primary suite features vaulted ceilings and a private bath with a Jacuzzi tub and separate shower. Two additional bedrooms and another full bathroom provide plenty of room for family, guests, or a home office. Main-level laundry and an oversized 2-car garage add to the home's everyday convenience. Need more space? The full lower level is unfinished and ready for you to make it your own—whether you envision a family room, recreation space, home gym, or additional living area. Outside, the nearly-acre lot gives you plenty of room to spread out, with a fully fenced section of the yard that's perfect for dogs, a firepit for evenings around the fire, and a small utility shed that stays with the property. With a brand-new roof in 2024, fresh paint throughout, and numerous exterior updates already completed, there is nothing to do but move in and enjoy! Located just minutes from both Cuivre River State Park and Troy city limits, this property offers a peaceful setting with convenient access to everything you need. Come see for yourself why this one is ready to be your next home!

181 Shawn Ct, Troy
910 W Cherry St, Troy
$95,000
4 Beds ⋅ 2 Baths ⋅ 26063827 MLS ⋅ ACTIVE Status
Looking for an investment opportunity with plenty of potential? Welcome to 910 W. Cherry Street in Troy! Built in 1900, this two-story home is currently configured as a duplex, offering two separate living units and the opportunity to make improvements while building future rental income potential. Both units are vacant, giving the new owner flexibility to get started right away. The main-floor unit needs renovation, including updates to the kitchen and bathroom, with the potential for a 3-bedroom, 1-bath layout. Upstairs, you'll find a 2-bedroom, 1-bath unit that is in rentable condition. Each unit has its own laundry area, adding convenience for future occupants. Whether you're looking to expand your rental portfolio or explore the possibility of living in one unit while renting the other, this property offers several possibilities. The sellers are selling the property as-is and will make no repairs. Bring your ideas and take advantage of the opportunity to give this historic property its next chapter!

910 W Cherry St, Troy
232 Westwind Trl, Wright City
$235,000
3 Beds ⋅ 2 Baths ⋅ 26062016 MLS ⋅ COMING SOON Status
Nestled on 3 private acres in the desirable Fawn Lake community, 3-bedroom, 2-bath home offers the perfect blend of comfort, privacy, and country living. The open-concept floor plan features vaulted ceilings, spacious living and dining areas, and a kitchen with a large center island and abundant cabinet and counter space. The primary suite is a true retreat with a walk-in closet, dual-sink vanity, soaking tub, and separate shower. Two additional bedrooms, each with generous closet space, provide plenty of room for family or guests. Enjoy peace and quiet while surrounded by nature. This home sits on a concrete foundation with basement and tuck under two car garage. Enjoy well and septic systems, this move-in ready property offers seclusion while remaining conveniently located near Wright City amenities and highway access. Experience the tranquility of country living and enjoy living in a lake community.

232 Westwind Trl, Wright City
64 S Ridge Rd, Troy
$314,900
3 Beds ⋅ 3 Baths ⋅ 26063500 MLS ⋅ ACTIVE Status
Country Living in a Great Location Can Be Yours! - This (3) Bedroom, (2.5) Bath Ranch Home with a (2) Car Garage in the Troy School District has so much to offer! Many custom features that include arched entry-ways from the vaulted and beamed ceiling in the front room with bay window and display niche. There is a large eat-in kitchen with KitchenAid appliances that include a smooth top range, microwave, wall oven, dishwasher, and (3) door refrigerator. There is a large pantry and slider that leads to the large deck that overlooks the backyard with a view of the neighbor's lake! The main level also includes (3) bedrooms and (2) baths. One bedroom is currently converted to a main floor laundry that includes a washer and dryer. (Basement hookups are still available) The lower level is partially finished with a half bath and sleeping area. The large living area has a wood burning stove with custom brick hearth and firewood holder. There are two very nice, finished storage rooms that include water heater, softener and furnace. The lower-level slider walks out to the covered patio that extends under the deck of the level yard and fenced dog run. This home is ready for its new owner with many items included for an easy move!

64 S Ridge Rd, Troy
120 Pleasant View Dr, Foley
$200,000
2 Beds ⋅ 2 Baths ⋅ 26063782 MLS ⋅ ACTIVE Status
Three private, level acres at the very end of a quiet cul-de-sac in Foley, with woods along the back line. If you have been looking for room to spread out without stretching your budget, start here. The land is the star. Mowed paths wind through an open meadow that fills with honeysuckle and black-eyed Susans in summer. An oak barn could be a home for horses, a hobby farm, equipment or a workshop, and a metal shed adds more storage. A gravel drive runs up to the home and on to the barn. There is room for a garden, chickens, a future shop or just a lot of quiet, and the front deck is the place to take it all in. Inside, a split floor plan puts the two bedrooms at opposite ends of the home. The living room has a ceiling fan and opens to an eat-in kitchen with plenty of cabinets and space for a table. The primary bedroom has a double-door closet and sits next to the full bath. At the other end, the second bedroom has its own half bath, a nice setup for guests or a home office. The practical pieces are done. The home has central air, an electric forced-air furnace, a 200-amp electric panel, gutters added in 2024, public water through PWSD #1 of Lincoln County, a private septic system and Gateway Fiber internet. The home was financed with FHA financing last year. The range and dishwasher stay. Close prior to December 18, 2026, and the refrigerator, washer and dryer stay too. There is no HOA or known road maintenance agreement. When the gravel needs replenished the subdivision contributes to the expense. The last time it was done it was $200 for the owners of this property. Winfield R-IV School District, and outside the flood plain (Zone X). Schedule your private showing today.

120 Pleasant View Dr, Foley
108 Wingate Dr, Troy
$315,000
3 Beds ⋅ 3 Baths ⋅ 26063784 MLS ⋅ ACTIVE Status
Welcome home to over 2,700 sq. ft. of living space in this amazing great-room ranch, where the layout is open, the fireplace anchors the main living space, and the backyard is every bit as good as the house. Vaulted ceilings, a wood-burning fireplace and an open kitchen/dining setup make the main level feel connected and easy. The primary suite gives you a luxe private bath(separate tub and shower) and walk-in closet, with two additional bedrooms, another full bath and main-floor laundry completing the main level. Downstairs, the finished walkout adds a huge amount of usable living space for movie nights, work-from-home, game days, workouts, or guests. And then there’s the backyard — big, flat and fully fenced, with a large deck, firepit area, shed and enough space to actually use. Kids can run. Dogs can run. Friends can stay late. There’s room for a garden, a playset, a football game or nothing at all. Add the covered front porch, wide drive way, 3 neighborhood playgrounds and 2 ponds, and this one feels like home the minute you walk through it.

108 Wingate Dr, Troy
175 Tall Tree Ln, Foley
$268,000
3 Beds ⋅ 3 Baths ⋅ 26063705 MLS ⋅ ACTIVE Status
IMPORTANT THIS HOME HAS SOME MINOR THINGS TO BE FIXED. THE HOUSE WILL NOT BE AVAILABLE FOR SHOWINGS UNTIL TUESDAY OCTOBER 13.Take a look at this great 3 bdrm 3 bath Hart doublewide that has been extensively remodeled. New roof in June 2026. Front door replaced in 2022. Kitchen countertops and backsplash and flooring replaced in 2022. Both bathrooms, vanities and flooring replaced in 2023. Kitchen pantry added in 2024. Andersen windows installed in front of home in 2023. Basement finished in 2025. Basement french doors replaced 2024. Basement stairs and wall replaced going downstairs in 2022. Open front yard for the kids to enjoy and woods to the rear of property for privacy. Fireplace is decorative and no longer functioning.

175 Tall Tree Ln, Foley
901 Main St, Troy
$270,000
3 Beds ⋅ 1 Baths ⋅ 26063687 MLS ⋅ COMING SOON Status
Welcome to 901 Main St in Troy! This 3 bedroom, 1 bathroom home offers comfortable living with plenty of space to make your own. Step inside to find beautiful hardwood floors in the living room and a functional layout throughout. The former garage has been converted into a bonus/game room, providing additional space perfect for entertaining, a home office, playroom, or second living area. The partially finished basement offers even more usable space along with plenty of potential. Outside, enjoy a roughly 12' x 14' deck located just off the side of the home- great for relaxing, grilling, or entertaining. Conveniently located in Troy with easy access to local shopping, dining, schools, and amenities. Schedule your showing and come see what this home has to offer.

901 Main St, Troy
153 Canyon Creek Cir, Moscow Mills
$379,900
3 Beds ⋅ 3 Baths ⋅ 26063563 MLS ⋅ ACTIVE Status
New Construction villa with over 2650sf of living space in Moscow Mills. Stunning brick & stone elevation exterior w/ delightful architecture features inside the home. Main floor has 9' tall ceilings w/impressive great room, vaulted ceiling, beautiful fireplace. Laminate flooring throughout great room, breakfast room & kitchen. Enjoy cooking in a lovely kitchen featuring custom cabinetry, huge island, solid surface counters, SS appliances opening right into the bright breakfast room. Spacious master w/vaulted ceiling, large master bath w/separate tub, shower, dual sinks & spacious walk-in closet. Also on main level a nice sized additional bedroom, full bath, laundry area and covered deck. Lower level walkout is finished with large recreation room, additional bedroom and full bath. Great location, minutes from Hwy 61 & Hwy 47!

153 Canyon Creek Cir, Moscow Mills
202 2nd St, Winfield
$240,000
3 Beds ⋅ 2 Baths ⋅ 26063550 MLS ⋅ ACTIVE Status
Welcome to this beautifully reimagined 3-bedroom, 1.5-bath home in Winfield, Missouri! Taken down to the exterior walls and thoughtfully rebuilt with quality and style in mind, this home offers the feel of a brand-new property without the wait. The stunning kitchen features stainless steel appliances that stay, quartz countertops and backsplash, soft-close wood cabinetry with crown molding, epoxy flooring, and a convenient pantry. Just off the kitchen, the bright and inviting living room showcases beautiful high-end luxury vinyl plank flooring. Two bedrooms are located off the living room, while the third bedroom is conveniently situated just off the kitchen, with all three bedrooms featuring ceiling fans. The utility room includes a brand-new gas furnace, 40-gallon gas water heater, and electric stackable washer and dryer that stay with the home. A completely new half bath was also added, providing an additional touch of convenience. The full bathroom has been beautifully finished with porcelain tile flooring, a floor-to-ceiling cultured marble shower surround, and all-new fixtures. With extensive updates throughout, no one has lived in the home since the work was completed—so you’ll be the first to enjoy it! Additional improvements include a new roof, gutters, fresh interior and exterior paint, and a newly installed privacy fence with a gate providing access to the driveway from the alley. A second driveway has also been added from 2nd Street, providing additional parking and accessibility. And the possibilities continue! Included with the property is an additional 60’ x 100’ lot, complete with city sewer, water, and electric—offering plenty of room for future plans, additional parking, recreation, or whatever you envision. Conveniently located just off Highway 79 in town and approximately 20 minutes from both O’Fallon and Troy, this exceptionally clean, move-in-ready home offers an incredible combination of modern updates, extra space, and future potential. Come see all that this beautifully transformed property has to offer!

202 2nd St, Winfield
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